One of my apps where I spend money on a regular basis (always similar small amounts, always from the same phone, usually from the same IP) constantly triggers 2FA via my banking app. Even as an informed customer, I have no idea whether to blame that app, their payment gateway, Visa/Mastercard, or my bank (that issued the credit card) for that bullshit.

The previous situation (banks absorb the fraud) seemed much better for me as the customer, and banks stuck with it. PSD2 made it so that customers can't pick their bank based on which is more convenient, by making them all at least roughly equally inconvenient. Few people will bother to change banks over this, and even fewer banks will feel enough pressure to actually improve.